You assign us the debt and we claim it in our own name. No activation cost, no minimum amount and no chasing: we only earn if it is collected.
For debts up to €2,000.00 we do not sell you a collection service: we take the problem off you. You sign the assignment, we become the creditor and we claim in our own name — including the order for payment procedure, which needs no lawyer or court agent because the creditor is us. You stop being in the middle, and stop risking money to recover money.
What it includes: free online activation: you sign the framework assignment contract and that is it; one annex per debt you add, with the documents that evidence it; certified notice to the debtor with proof of delivery, a payment link and an offer to negotiate; order for payment in our own name if they do not pay, and settlement in your favour of whatever is collected. What it does not include: we cannot guarantee collection. If the debtor has no assets or income we tell you, and trying will have cost you nothing.
We answer your enquiry within 1 working day and send the written quote within 2 working days.
Once your documents are complete, we prepare the file between 1 and 3 working days.
The notice to the debtor goes out immediately after the annex is signed; from there it depends on their response and, if there is a court filing, on the court's calendar.
See the pricing page for how we charge this kind of matter.
Estimated duration: 3 days.
You check that your debt fits: principal within the limit, documented in writing and a debtor with contact details. Activation is online and free.
You sign the framework assignment contract and one annex per debt with the documents that prove it. You advance nothing.
We notify the assignment to the debtor with proof of delivery, a payment link and an offer to negotiate, and handle the reply.
If they do not pay, we file the order-for-payment claim in our own name; from whatever is collected we settle your share under the contract.
Nothing up front and nothing if nothing is collected. Of whatever is recovered, we settle 80 % to you and retain 20 %, with a minimum of €40.00 per debt.
The same proportion of what is actually collected. If that does not reach the €40.00 minimum, the debt produces no settlement in your favour.
Then the fixed €40.00 recovery-costs indemnity under Spanish Law 3/2004 for commercial transactions applies, plus that law's late-payment interest. That indemnity is retained in full by Iberfácil.
No. There is no minimum and no activation cost.
Above that amount the service is no longer free: it becomes court action, with a viability report and a quote that are also free before anything is decided.
No: from the assignment onwards we are the creditor, and any contact from the debtor comes to us. That is what lets the claim speak with one voice.
People who come for “Debt recovery by assignment of claim” often need one of these Out of court procedures too. If your case mixes several, it goes in a single file with a single quote.
See everything we do in Out of court
If what you have is a situation and you are not sure which procedure applies, start with Someone owes me money.
Tell us who owes you money, how much and what documents you have.
Tell us about your case and which documents you already have. We tell you what fits, what is missing and what it costs.
